FIRST CASH FINANCIAL SERVICES, INC.

Investor PresentationMay 2014

SAFE HARBOR STATEMENT

This presentation contains “forward-looking statements,” as defined by the Private Securities Litigation Reform Act of 1995, that can be identified by words such as “believes,” “expects,” “projects,” and similar expressions and involve numerous risks and uncertainties. The Company’s actual results could differ materially from those anticipated in such forward-looking statements as a result of certain factors, including those set forth in the Company’s filings with the Securities and Exchange Commission.

25 YEARS OF LEADERSHIP IN PAWN

Founded in 1988• Based in Arlington, TX• Public in 1991with 12 stores• Current market cap of $1.4

billion*, largest market cap of any pawn operator

U.S. Operations• 310 stores• 12 U.S. states

Mexico Operations• Started with 4 stores in

1999• Currently operating 605

stores in 26 states• Largest full-service, large

format pawn operator in Mexico

*As of May 2, 2014

PAWNSHOP PROFILE Neighborhood-based stores serving cash-

constrained consumers: Buy and sell popular pre-owned consumer

products including Consumer electronics & appliances Jewelry, diamonds & watches Power tools, musical instruments &

sporting goods Ready and immediate

source of cash for customers looking to sell items

Source of small, short-term loans

Fully collateralized Non-recourse

SIGNIFICANT PAWN STORE GROWTH

Driven primarily by organic growth coupled with strategic acquisitionsStore count

REVENUE – GEOGRAPHIC DISTRIBUTION

• Operations in two countries with the same business model and format– 310 stores in the U.S.– 605 stores in Mexico

• Continued growth potential in both markets

• Opportunity to expand this proven model to other Latin American countries

Trailing Twelve Months Ended March 31, 2014

FOCUSED ON RETAIL OPPORTUNITY

43.3% 45.2% 46.1% 48.5%55.6%

22.5% 19.5% 21.0% 17.5%10.3%

23.2% 24.5% 23.8% 25.7% 27.5%

11.1% 10.8% 9.1% 8.2% 6.6%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

2009 2010 2011 2012 2013

Retail Scrap Pawn Loan Consumer Loan

Merchandise sales (including retail and scrap) account for 66% of total revenues, of which retail is a significant portion Merchandise acquired through

forfeiture of pawn loan collateral and direct buys from customers

Emphasis on driving foot traffic

High inventory turnover (3.6x in 2013)

Gross retail margins exceed those of traditional value-oriented retailers FCFS retail margin of 39.7%

Peer Group average retail margin: 31.1%

7Peer group includes: Dollar General, Ross Stores, Dollar Tree, PriceSmart, Tuesday Morning and Big Lots; LTM as of MRQ

FIRST CASH REVENUE DISTRIBUTION

66%Merchandi

seSales

• In-store transactions• Retail sales• Pawn loans and buys• Pawn payments and redemptions

• Layaway programs drive multiple store visits

• Interest-free installment payments collected weekly and/or monthly

• Opportunity for customers to “Treasure Hunt” in stores

• Automatic price markdown timing

• “As seen on TV” – pawnshops are focus of popular reality shows

RETAIL TRAFFIC DRIVERS

Many consumers in the U.S. and Mexico remain cash-constrained and value-conscious

“Unbanked and under-banked” customer base continues to be significant 30% of U.S. households 70% of households in Mexico

Strong customer value proposition Immediate source of credit – less than 10 minutes No underwriting, credit check, or bank account required No collection activities or negative credit reporting

Traditional retailers and lenders do not effectively serve this customer due to: Small transaction sizes Weak (or lack of) credit history Regulatory restrictions on other short-term credit & bank products

GROWING DEMAND FOR PAWNSHOPS

Pawn Receivables Average loan size:

$173 in U.S. $69 in Mexico

Term: 30 days Typical monthly service charge:

5% to 20% Varies with size of loan

All loans fully collateralized: non-performing pawns become inventory

FIRST CASH PAWN METRICS

Retail sales margin 39% Effective monthly yield on pawn receivables 14% Inventory turnover, annualized 3.6x Store operating profit margin 26%

Trailing Twelve Months Ended March 31, 2014

SIGNIFICANT BARRIERS TO ENTRY

11

MEXICOUNITED STATES

Key markets for First Cash have significant licensing restrictions limiting ability of competitors to establish new, competing locations Texas - per state law, in large counties

(over 250,000 population) new licenses not granted within 2 miles of any other pawn shop

Maryland/DC/Virginia - most counties and DC have hard caps on the number of licenses and are not granting new ones

Colorado - most larger, metropolitan cities and suburbs have ceased issuing new pawn licenses

First Cash has significant first-mover advantage

De novo strategy requires significant capital investment, operating expertise, and development of human capital Other public pawn operators

are currently not growing significantly in Mexico

Must allow for a long time horizon to compete with FCFS

Extremely limited acquisition opportunities in large format space

New regulations and reporting requirements work in favor of larger, more sophisticated operators such as FCFS

Significant barriers to entry in both the United States and Mexico make it difficult

for new competitors to enter the space

STABLE REGULATORY ENVIRONMENT

MEXICOUNITED STATES Pawn regulated primarily at state level

FCFS operates in states with favorable regulatory environment

No material changes to pawn regulations in 30+ years

While pawn is technically covered at the federal level by Consumer Financial Protection Bureau (“CFPB”), pawn remains a low priority for CFPB

Focused on payday

Cycle of debt

Collections

Pawn regulated at the federal level by Federal Consumer Protection Bureau (“PROFECO”) Regulates terms of pawn

loan No rate-setting authority

January 2013 law requires all pawn businesses to register with PROFECO Requires compliance with

additional customer notice and disclosures

New PROFECO requirements have led to suspension or closure of certain non-compliant pawn stores in Mexico

Regulator and consumer advocate groups have been focused on the “cycle-of-debt” and collection practices of the payday lending

industry.  First Cash’s business is dominated by pawn retail sales and pawn lending, which provides non-recourse loans with no collection activity, mitigating much of the regulatory focus 

50.5%49.5%

FIRST CASH REVENUE DISTRIBUTION

88.9% 89.2% 90.9% 91.8% 93.4%

11.1% 10.8% 9.1% 8.2% 6.6%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

2009 2010 2011 2012 2013Pawn Consumer / Payday

UNIQUELY POSITIONED - LIMITED EXPOSURE TO PAYDAY PRODUCT

Other large public pawn operators generate significant revenue from payday, payroll, online lending, title and installment lending products Other pawn operators average payday

as percentage of total revenue: 45.8%

First Cash has continued to divest its payday business over time In 2013, discontinued Cash & Go

payday/check cashing joint venture

In 2012 and 2013, closed 21 consumer loan stores in Texas

In 2010, discontinued internet-based credit services in Maryland

In 2009, sold 30 payday/consumer loan stores across four states

First Cash is now uniquely positioned as the only large “pure” (~90%) pawn operator

Other pawn operators include: Cash America International, DFC Global Corp. and EZCORP, Inc.; LTM as of most recent quarter.

73.9%

26.1%

Pawn

Consumer / Payday & Other

13.0%

87.0%

Cash America International

EZCORP, Inc. DFC Global Corp.

REVENUE DISTRIBUTION OF OTHER PAWN OPERATORS

MEXICO OPERATIONS

SIGNIFICANT GROWTH OPPORTUNITY

MEXICO REMAINS UNDERBANKED

• An estimated 70% of population is unbanked or under-banked

• Per capita consumer credit remains very low in comparison to U.S. and other LatAm countries

• Mexico remains a cash-driven society

• Even employees paid on company-issued debit cards quickly convert funds to cash Typical payday

lines in Mexico: lines form at ATMs for cash withdrawals

MEXICO CONSUMER CREDIT PENETRATION

Consumer credit to GDP in Mexico remains at the bottom of Latin America

Source: Central Banks, Credit Suisse estimates

FIRST CASH MEXICO OPERATIONS IN 2008

Chihuahua

Queretaro

Aguascalientes

Puebla

Guanajuato

Coahuila

Tamaulipas

Nuevo Leon

Sonora

Durango

Jalisco

Baja California

As of September 30, 2008

241 STORES – 13 STATES:200 Large format pawn stores41 Consumer loan stores

San Luis Potosi

MEXICO OPERATIONS NOW

Chihuahua

Queretaro

Aguascalientes

Puebla

Guanajuato

Coahuila

Tamaulipas

Nuevo Leon

Sonora

Durango

Jalisco

San Luis Potosi

MorelosGuerrero

Michoacan

Edo de Mexico

Hidalgo

Distrito Federal(Mexico

City)

VeracruzZacatecas

Colima

Sinaloa

605 STORES – 26 STATES560 Large format pawn stores17 Small format pawn stores28 Consumer loan stores

Quintana Roo

Baja California

As of March 31, 2014

Yucatan

Baja California

Sur

MEXICO MARKET PENETRATION

As of December 31, 2013

8

4 Low

14 Moderate

High <100k per store

100k – 300k per store

>300,000 per store

First Cash Large Format Penetration Population */ store

By comparison, Texas total pawn shop penetration averages approximately 20k in population per store

TijuanaEnsena

da

Cabo San Lucas

Cancún

Monterrey

Mexico City

*Based on 115 million population in Mexico

Significant growth opportunity in both new and existing markets

COMPETITIVE LANDSCAPE IN MEXICOU.S.-BASED OPERATORS

Large format store count

(2)(1) (1)

(1) As of September 30, 2013(2) As of June 30, 2013

EZCorp (EZPW)• In June, announced store closings in

Mexico:• 52 small format stores • 5 large format stores

• Approximately 12% of revenue derived out of Mexico in 2012

Cash America (CSH)• Fall 2012, announced significant

store closings in Mexico• 148 mostly small format stores

• No large format openings in 2013; limited number planned in 2014

CABO/LA PAZ ACQUISITION

• In Q3 2013, First Cash exercised an option to acquire 8 stores under the “Cash$Go” name in Baja California Sur (Cabo/La Paz)

• Adds an additional state, making 26 total states in Mexico

• Systems and management consolidation already completed

NEW STORE OPENING PROCESS

Same Site AfterRedevelopment

Undeveloped Site

• Experienced real estate development team

• Proven site selection strategy• Standardized store layouts,

fixtures and equipment• State of the art security

technology• Consistent

process ensures that new stores are delivered on time and on budget

MEXICO STORE – INTERIOR OPERATIONS

Proprietary systems allow us to optimize loan-to-value ratios for lending transactions

Employees have access to real time sales data from all stores

Track customer profiles to determine the optimal loan size

Real time sales data also optimizes the margins for merchandise purchased from customers

MEXICO STORE - WAREHOUSE

TYPICAL MEXICO TRAINING FACILITY

Extensive training program supports rapid store growth:• Approximately 600 stores provide a deep and well-established employee base

for developing and training future store and area managers• Collaborative environment for sharing best practices• Key areas of store operations training

• Proprietary FCFS systems• Merchandise valuation• Customer service• Negotiation & selling skills• Leadership development

MEXICO NEW STORE INVESTMENT

TYPICAL MEXICO NEW STORE RAMPNew Store Cash Flow

Store InvestmentCap Ex- Leasehold improvements & fixtures- Computer & security equipment

$175,000

Start-up Losses - Pre-opening- First six months of operation

$30,000

Total Store Investment $205,000Working Capital

First Year for New Store- Operating cash- Loan funding - Inventory

$125,000

$0

$100

$200

$300

$400

$0

$200

$400

$600

$800

Year 1 Year 2 Year 3 Year 4 Year 5

Stor

e Pr

ofit

Reve

nue

Revenue Store Profit1 2

MEXICO STORE ADDITIONS BY YEAR

1 Revenue reflects peso exchange rate of 13:12 Store-level operating profit before administrative expense & taxes

($ in Thousands)

Earnings drag associated with new store ramp-up presents compelling future earnings potential

MEXICO STORE AGING

Average Age:

5 Years

30% of all stores are less than 3 years old

293

65

66

63

63

55605

As of March 31, 2014

NEW MARKET OPPORTUNITIES

• Long-term, we believe that the First Cash model can be replicated in other Latin American markets

• Still significant runway in Mexico, but looking opportunistically for expansion opportunities in other markets with:• Large unbanked and under-banked populations• Limited competition in large format, full-service model

• First Cash has a strong balance sheet and recent tax restructuring facilitates funding and development in other Lat Am markets

U.S. OPERATIONS

U.S. OPERATIONS

As of March 31, 2014

Large Format Pawn Stores

Consumer Loan Stores

Small Format Pawn Stores

1

57119

3

4 18

4D.C.1 2810

23

29 74 2

310 STORES – 12 STATES

Approximately 10,000 to 15,000 pawn locations The three largest public operators currently

operate a small percentage of total stores Continued opportunities for acquisitions Target 5-6X EBITDA for acquisitions – highly

accretive

8 10 6 9

611

4634

0

10

20

30

40

50

60

2010 2011 2012 2013

New Stores Acquired Stores

31Source: 2011 FDIC National Survey of Unbanked and Underbanked Households – published September 2012Note: 2010 new stores includes two payday stores that were converted to pawn stores

25% of U.S. households used alternative financial services products in last 12 months

20% of U.S. households are underbanked (~24 million households)

8% of U.S. households are unbanked (~10 million households)

29% of U.S. households do not have a savings account U.S. LARGE-FORMAT STORE ADDITIONS BY YEAR

U.S. PAWN INDUSTRY IS HIGHLY FRAGMENTED

ATTRACTIVE INDUSTRY FUNDAMENTALS

Key Acquisitions December 2013: Money Man

(SC)

June 2013: Valu + Pawn (TX)

September 2012: Fast Cash (CO)

June 2012: Mister Money (CO/KY)

U.S. GROWTH OPPORTUNITY

RECENT U.S. ACQUISITIONS

Valu+Pawn• Acquired June 2013• 19 store locations in Texas• Provides new pawn market for First

Cash in Houston with 11 stores

Money Man• Acquired December 2013• 12 store locations in South Carolina• Provides new pawn market for First

Cash in Charleston, S.C.

VALU+PAWN STORES

GOLD EXPOSURE

COMPOSITION OF PAWN COLLATERAL

U.S. reflects historical mix; Mexico focused on general merchandise, where competition is limited

MexicoUnited States Consolidated

Electronics, tools, and other general merchandise items

Jewelry

As of March 31, 2014

Note: Historically, over 75% of all pawn loans are redeemed, and the collateral is returned to the customer.

SOURCE OF GROSS PROFIT CONTRIBUTION

98% of YTD gross profit from retail sales and lending activity; limited jewelry scrap sales contribution

% GP Contribution

SOLID LOAN GROWTH DESPITE HEADWINDS CAUSED BY LOWER GOLD PRICES

Pawn loan balance compared to loan count

Pawn loans(USD in millions)

Pawn loan count(in thousands)

• Consolidated growth in pawn loans due primarily to increased number of outstanding loans (transactions)

• 18% increase in general merchandise (non-jewelry) loans offset reduced levels of gold lending in both the U.S. and Mexico

GOLD PRICE VS. AVERAGE PAWN LOAN

Average loan size has been less volatile than gold prices.

Note: Foreign operations were translated at a constant currency rate of 12.5 MXN to USD for all periods presented.

Net Income from continuing operations of $0.78 per share in Q1 15% increase

Strong growth in core pawn revenues (pawn fees & retail sales): * 20% increase

Retail sales increased 24% in Q1 *• Up 35% in U.S.

• Up 16% in Mexico

Pawn loan fees increased 13%, despite lower average loan sizes due to gold depreciation

Number of pawn loans at March 31 up 16% over prior year* Constant currency basis

Q1 2014 OPERATING HIGHLIGHTS

From Continuing OperationsEARNINGS PER SHARE GROWTH

From 2008-2013:158% growth21% 5-year CAGR

*As of the earnings release dated March 31, 2014

HISTORICAL FINANCIAL PERFORMANCEREVENUE GROSS PROFIT & MARGIN

EBITDA & MARGIN 1 FREE CASH FLOW 2

42

($ in Millions) ($ in Millions)

($ in Millions) ($ in Millions)

$349$417

$514

$592$661

0

100

200

300

400

500

600

$700

2009 2010 2011 2012 2013

$200$242

$289$336

$370

57% 58%

56% 57% 56%

0%

20%

40%

60%

80%

100%

0

50

100

150

200

250

300

350

$400

2009 2010 2011 2012 2013

Gross Profit Gross Margin

$71

$90

$118

$136 $139

20% 22% 23% 23% 21%

0%

20%

40%

60%

80%

100%

0

20

40

60

80

100

120

140

$160

2009 2010 2011 2012 2013EBITDA EBITDA Margin

2 From Continuing and Discontinued Operations. Defined as CFO - CapEx - Δ Loan ReceivablesNote: 2009 free cash flow impacted by liquidation of Auto Master

$57

$32

$46 $50

$80

0

10

20

30

40

50

60

70

80

$90

2009 2010 2011 2012 2013

1 From Continuing Operations

Senior note offering: Completed private offering of

$200 million of senior notes Provides long-term, fixed-

rate financing – due in 2021 Diversifies capital structure

to add non-bank debt Favorable bank credit facility

$160 million facility w/ all available

Option of interest rates (LIBOR + 2.5%)

Matures in 2019

STRONG BALANCE SHEETProvides liquidity for expansion, acquisitions, and stock buybacks

Debt to EBITDA Ratio: 1.45 to 1

As of March 31, 2014

FREE CASH FLOWTrailing Twelve Months Ended March 31, 2014

Stable cash generation with limited volatility Strong correlation between cash flows and earnings

STOCKHOLDERS’ EQUITYMillions

Key Return Metrics* ROE: 22%ROA: 14%

*Over Trailing Twelve Months Ending 3/31/2014

INVESTMENT THESIS

• Pawn-focused business model– Strong margins & cash flows– Steady across economic cycles– Limited regulatory exposure

• Proven growth strategy– Long-runway for growth in Mexico where

competition is limited and barriers to entry are high

– Roll-up and consolidation strategy in the U.S. where the business is fragmented and new competition is limited

FIRST CASH FINANCIAL SERVICES, INC.

Investor Contact Information(817) 505-3199 Gar Jacksoninvestorrelations@firstcash.com Global IR Groupwww.firstcash.com (949) 873-2789

gar@globalirgroup.com